Variable Return Funds in the plan |
All-in-one options |
Fund name |
Fund symbol/ number |
Total annual operating expenses |
Average annual total return** as of 12/31/2022 |
Benchmark |
As a % |
Per $1000 |
1-Year |
5-Year |
10-Year |
Since inception |
1-Year |
5-Year |
10-Year |
Vanguard Target Retirement Income |
VTINX 0308 |
0.08% |
0.80 |
–12.74% |
|
2.30% |
|
3.62% |
|
4.57% (10/27/2003) |
-12.44% |
2.59% |
3.86% |
Target Retirement Income Composite Index |
Vanguard Target Retirement 2020 |
VTWNX 0682 |
0.08% |
0.80 |
–14.15% |
|
3.22% |
|
5.83% |
|
5.52% (06/07/2006) |
-13.77% |
3.58% |
6.13% |
Target Retirement 2020 Composite Index |
Vanguard Target Retirement 2025 |
VTTVX 0304 |
0.08% |
0.80 |
–15.55% |
|
3.58% |
|
6.43% |
|
6.13% (10/27/2003) |
-15.02% |
4.01% |
6.77% |
Target Retirement 2025 Composite Index |
Vanguard Target Retirement 2030 |
VTHRX 0695 |
0.08% |
0.80 |
–16.27% |
|
3.94% |
|
6.99% |
|
6.02% (06/07/2006) |
-15.71% |
4.36% |
7.34% |
Target Retirement 2030 Composite Index |
Vanguard Target Retirement 2035 |
VTTHX 0305 |
0.08% |
0.80 |
–16.62% |
|
4.34% |
|
7.57% |
|
6.83% (10/27/2003) |
-16.10% |
4.76% |
7.92% |
Target Retirement 2035 Composite Index |
Vanguard Target Retirement 2040 |
VFORX 0696 |
0.08% |
0.80 |
–16.98% |
|
4.74% |
|
8.06% |
|
6.59% (06/07/2006) |
-16.51% |
5.14% |
8.42% |
Target Retirement 2040 Composite Index |
Vanguard Target Retirement 2045 |
VTIVX 0306 |
0.08% |
0.80 |
–17.36% |
|
5.14% |
|
8.34% |
|
7.40% (10/27/2003) |
-16.93% |
5.53% |
8.70% |
Target Retirement 2045 Composite Index |
Vanguard Target Retirement 2050 |
VFIFX 0699 |
0.08% |
0.80 |
–17.46% |
|
5.18% |
|
8.36% |
|
6.79% (06/07/2006) |
-17.07% |
5.58% |
8.72% |
Target Retirement 2050 Composite Index |
Vanguard Target Retirement 2055 |
VFFVX 1487 |
0.08% |
0.80 |
–17.46% |
|
5.18% |
|
8.34% |
|
8.97% (08/18/2010) |
-17.07% |
5.58% |
8.72% |
Target Retirement 2055 Composite Index |
Vanguard Target Retirement 2060 |
VTTSX 1691 |
0.08% |
0.80 |
–17.46% |
|
5.18% |
|
8.34% |
|
8.59% (01/19/2012) |
-17.07% |
5.58% |
8.72% |
Target Retirement 2060 Composite Index |
Vanguard Target Retirement 2065 |
VLXVX 1791 |
0.08% |
0.80 |
–17.39% |
|
5.15% |
|
|
|
6.42% (07/12/2017) |
-17.07% |
5.58% |
|
Target Retirement 2065 Composite Index |
Vanguard Target Retirement 2070 |
VSVNX V009 |
0.08% |
0.80 |
|
|
|
|
|
|
1.02% (06/28/2022) |
-17.07% |
5.58% |
8.23% |
Target Retirement 2070 Composite Index |
Other options |
Fund name |
Fund symbol/ number |
Total annual operating expenses |
Average annual total return** as of 12/31/2022 |
Benchmark |
As a % |
Per $1000 |
1-Year |
5-Year |
10-Year |
Since inception |
1-Year |
5-Year |
10-Year |
Short-Term Reserves |
Galliard Stable Return Fund C |
3276 |
0.37% |
3.70 |
1.91% |
|
1.99% |
|
1.72% |
|
2.33% (06/01/2006) |
-3.65% |
0.77% |
0.67% |
ICE BofA 1-3Y US Trsy TR USD |
Vanguard Federal Money Mkt Fund |
VMFXX 0033 |
0.11% |
1.10 |
1.55% |
|
1.18% |
|
0.71% |
|
3.88% (07/13/1981) |
1.25% |
0.87% |
0.47% |
U.S. Government Money Market Funds Average |
Bond Funds |
Pioneer Bond Y |
PICYX 6742 |
0.44% |
4.40 |
–14.25% |
|
0.44% |
|
1.79% |
|
4.37% (09/20/2001) |
-13.01% |
0.02% |
1.06% |
Bloomberg US Agg Bond TR USD |
Vanguard Inflation-Protect Sec Adm |
VAIPX 5119 |
0.10% |
1.00 |
–11.85% |
|
1.97% |
|
1.01% |
|
3.20% (06/10/2005) |
-11.85% |
2.11% |
1.12% |
Bloomberg U.S. Treasury Inflation Protected Securities Index |
Vanguard Total Bond Mkt Index Adm |
VBTLX 0584 |
0.05% |
0.50 |
–13.16% |
|
–0.01% |
|
1.00% |
|
3.19% (11/12/2001) |
-13.07% |
0.06% |
1.08% |
Spliced Bloomberg U.S. Aggregate Float Adjusted Index |
Domestic Stock Funds |
American Beacon Small Cp Val Inv |
AVPAX 2494 |
1.15% |
11.50 |
–8.06% |
|
4.74% |
|
9.05% |
|
9.83% (02/26/1999) |
-14.48% |
4.13% |
8.48% |
Russell 2000 Value TR USD |
Dodge & Cox Stock I |
DODGX 0292 |
0.51% |
5.10 |
–7.22% |
|
8.72% |
|
12.44% |
|
11.03% (01/04/1965) |
-18.11% |
9.42% |
12.56% |
S&P 500 TR USD |
Janus Henderson Mid Cap Value T |
JMCVX 2576 |
0.75% |
7.50 |
–5.10% |
|
4.72% |
|
8.44% |
|
10.33% (08/12/1998) |
-12.03% |
5.72% |
10.11% |
Russell Mid Cap Value TR USD |
JPMorgan Small Cap Growth R6 |
JGSMX 3395 |
0.76% |
7.60 |
–32.13% |
|
6.21% |
|
11.77% |
|
11.08% (11/30/2010) |
-26.36% |
3.51% |
9.20% |
Russell 2000 Growth TR USD |
MFS Mid Cap Growth R6 |
OTCKX 7308 |
0.67% |
6.70 |
–28.29% |
|
9.19% |
|
|
|
12.10% (01/02/2013) |
-26.72% |
7.64% |
11.41% |
Russell Mid Cap Growth TR USD |
T. Rowe Price Growth Stock I |
PRUFX 6689 |
0.51% |
5.10 |
–40.05% |
|
5.10% |
|
|
|
8.34% (08/28/2015) |
-18.11% |
9.42% |
12.56% |
S&P 500 TR USD |
Vanguard Total Stock Mkt Idx Inst |
VITSX 0855 |
0.03% |
0.30 |
–19.51% |
|
8.72% |
|
12.08% |
|
7.97% (07/07/1997) |
-19.49% |
8.73% |
12.09% |
Spliced Total Stock Market Index |
International Stock Funds |
Columbia Overseas Value Inst3 |
COSYX 7097 |
0.83% |
8.30 |
–5.88% |
|
1.36% |
|
|
|
4.21% (07/01/2015) |
-5.58% |
0.17% |
3.51% |
MSCI EAFE Value NR USD |
Vanguard International Growth Adm |
VWILX 0581 |
0.34% |
3.40 |
–30.79% |
|
4.75% |
|
7.84% |
|
7.12% (08/13/2001) |
-16.00% |
0.88% |
3.80% |
Spliced International Index |
Vanguard Tot Intl Stock Ix Admiral |
VTIAX 0569 |
0.11% |
1.10 |
–16.01% |
|
1.09% |
|
4.06% |
|
4.02% (11/29/2010) |
-16.10% |
1.10% |
4.20% |
Spliced Total International Stock Index |